Mr. Sean Mulryan:

Well, we had a long relationship with Anglo Irish going back ... going back 20 years. So it had been a very successful relationship and that ... that's probably how it developed. There was a serious trust there and they liked doing business with us and, in hindsight, we shouldn't have done that because we should have spread into international banks. But the Irish banks were ... we were working very well with them and long, long, successful period of time. We had no issues over that 20 years, so it was probably ... that's what did it really. We weren't getting any special treatment from them but just everything was working and we just kept the model moving along. So there was-----